Business loans
Funding in days.
Not in pitch decks.
Up to $1,000,000 USD backed by your crypto — for entrepreneurs who move faster than bank committees. No business plan required.
Facility
$500,000
Drawn • 3 days ago
Business facility
Collateral pledged
8.5 BTC + 50 ETH ≈ $625k
Principal
$500,000
LTV
80%
APR
11.0%
Term
36 mo
Who it's for
Built for operators,
not committees.
If you run a company and hold crypto on the treasury, you can unlock working capital without diluting equity or pitching a bank.
Startups & SaaS
Extend runway without a dilutive round. Founders keep equity, VCs stay optional.
E-commerce brands
Stock up before a drop, fund ads, or bridge inventory cycles. Get back to selling.
Agencies & studios
Make payroll when a client is late paying an invoice. No factoring fees.
Crypto-native firms
DAOs, protocols, and market makers who hold treasury in BTC/ETH and want fiat ops capital.
Real-estate operators
Bridge between closings, fund renovations, or seize a deal while you line up permanent financing.
Family offices
Deploy idle crypto holdings into operating liquidity without triggering portfolio disposals.
Terms
Priced for scale.
Business facilities price down as size grows — larger pledges unlock lower APRs and higher LTVs.
- Minimum loan
- $25,000
- Maximum loan
- $1,000,000
- Starting APR
- 8.5% (BTC-backed, $250k+)
- Max LTV
- 90%
- Term length
- 3–100 months
- Repayment
- Amortizing or interest-only
- Personal guarantee
- Not required
- Funding timeline
- Same day
Rate tiers
The bigger the pledge,
the better the price.
| Facility size | Starting APR |
|---|---|
| $25k – $100k | 11.5% |
| $100k – $250k | 10.0% |
| $250k – $500k | 9.25% |
| $500k – $1M | 8.5% |
| $1M+ | Custom |
Deploy the capital
What businesses
use it for.
Working capital
Smooth cash flow while receivables sit on 60-day terms.
Inventory purchase
Lock in Q4 stock before suppliers raise prices.
Payroll bridge
Cover salaries while closing the next enterprise contract.
Growth & ads
Scale performance spend without giving up equity.
Acquisitions
Deploy capital against a pledged position to close an M&A deal.
Runway extension
Add 6–12 months of runway without a dilutive bridge round.
How it works
A business loan
in six steps.
Pledge Collateral
Send crypto to your secure multi-sig vault.
Apply for Funding
Tell us how much you need and your timeline.
Get Funded
Loan funds appear in your withdrawable balance.
Deploy Capital
Withdraw to any business bank or stablecoin wallet.
Stabilize LTV
Adjust your Loan-To-Value at any moment.
Customize & Extend
Roll, extend, or restructure as the business grows.
Comparison
Beats a line of credit
on the stuff that matters.
Bank LOC
- Approval
- 6–12 weeks
- PG required
- Yes
- Rate
- Prime + 3–6
- Fees
- 1–2% origination
Venture debt
- Approval
- 8+ weeks
- PG required
- Sometimes
- Rate
- 11–14% + warrants
- Fees
- Closing + covenants
Haida
- Approval
- Same day
- PG required
- Never
- Rate
- 8.5–11.5%
- Fees
- Zero
Case study
“Extended runway
18 months. Zero dilution.”
Hexcell Studio had $1.2M in BTC on treasury and six months of runway. Rather than raise a dilutive bridge round at a down-valuation, they pledged 15 BTC and drew $400k against it — enough to hit the metrics they needed for a real Series B.
Hexcell Studio
B2B SaaS • Series A
Pledged
15 BTC
Drawn
$400k
Term
18 mo
Dilution
0%
Series B raised at
3× valuation
vs. the bridge they would have taken
Questions
Business loan FAQ.
No. The loan is collateralized by crypto, not cash flow. We verify entity ownership and source-of-funds for the pledged crypto - that's it.
Ready?
Fund the growth.
Keep the treasury.
Apply for a business facility today. Same-day funding for verified accounts, dedicated desk for $250k+.